No medical exam options
Availability depends on the policy and carrier.
Forever Their Guardian
Life Insurance for Special Needs Parents
Your child may need support long after 18. Find your age and tap See Price to see what you may qualify for.
See your rate by age
18-34 YEARS OLD
35-44 YEARS OLD
45-54 YEARS OLD
55-64 YEARS OLD
65-75 YEARS OLD
forevertheirguardian.com
Coverage up to $1,000,000
Depends on age, health and carrier.
Living benefits
Access part of your benefit after a qualifying critical, chronic or terminal illness.
Licensed agent, no obligation
Clear answers, with no obligation to buy.
Who Keeps the Plan Going If Something Happens to You?
You know the therapy schedule, the routines, the appointments and who to call. Life insurance puts money behind that plan, so whoever steps in has what they need, even if you're not here to carry it out.
What It Can Pay For
Therapy and medical care
Help keep their care going.
Housing and daily support
Support for the place and routines they rely on.
Transportation to appointments
Help getting to the care they need.
The mortgage and everyday bills
Money for the household expenses that continue.
Whoever steps in to care for them
Resources for the person carrying the plan forward.
Plan the Payout the Right Way
Many families who have a child with a disability work with a special needs planning attorney to set up a special needs trust, and name the trust, not the child, as beneficiary. Leaving money directly to someone who receives means-tested benefits such as SSI or Medicaid can affect their eligibility. We're licensed insurance agents, not attorneys, and this isn't legal advice, but your agent can help you with the coverage side.
Life Insurance You May Be Able to Use While You're Alive
Many policies let you access part of your death benefit after a qualifying critical, chronic or terminal illness, to help with lost income, bills and care while you recover.
Living benefits vary by policy and state, and qualifying conditions apply.
How It Works
Step 1: Find your age
Choose your age group on the chart.
Step 2: Tell us your state
Answer two quick questions about your state and tobacco use.
Step 3: Get your price from a licensed agent by text
Your assigned agent will text or call to review your options.
Who We Help
Parents of kids with special needs
Put money behind the support plan you know best.
Grandparents raising grandkids
Help protect the next chapter you're building together.
Single parents
A plan for the people who count on you every day.
Common Questions, Simple Answers
You Take Care of Everyone. This Takes Care of the Plan.
See your options in about 60 seconds. It's free, and there's no obligation.
Prefer to talk? Call (785) 453-3354